Natural hazards · Guide Rock

Guide Rock, NE natural hazards

Most of the natural-hazard damage FEMA expects in Guide Rock comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2019.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Guide Rock?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guide Rock to be higher than in 81% of U.S. communities, mostly from hail.

Hail59%Inland flooding15%Strong wind13%Everything else14%

By hazard

What Guide Rock faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hail

59% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

15% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once every 3 years in the area

Strong wind

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Lower here

TornadoesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Guide Rock flood?

Every paid claim on a federal flood insurance policy in Guide Rock, from FEMA’s records.

1paid claims since 2019

$12Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Guide Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Webster County.

Disasters that hit Guide Rock

Federal disasters declared here

None of the disasters declared for Webster County shows FEMA aid or repair money reaching Guide Rock itself in FEMA’s records.

Brought FEMA money into Guide RockDeclared for Webster County only

Webster County has had 14 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Guide Rock is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Guide Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Guide Rock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.